Mike Ratliff - Mortgage Advisor

Mike Ratliff - Mortgage Advisor Mike Ratliff
NMLS 1711036
NEXA Mortgage
Corporate Address (3100 W Ray Rd STE 201 Office # 209, Chandler AZ 85226.)

Corporate NMLS #: 1660690 NEXA Mortgage LLC is an Equal Housing Lender

08/20/2026

You could lose your entire down payment from one phone call.

The scariest part?

The person on the other end could sound exactly like someone from your home purchase team.

Same voice. Same caller ID. They may even know your closing date and property address.

Before you send a dollar, verify everything independently.

Send this to someone closing on a home soon.

08/19/2026

What if part of your real estate gains stopped being taxed just because of inflation?

That’s the idea being discussed, and it could have major implications for long-term investors.

Would this change how you invest?

08/18/2026

The “bad” housing market might actually be creating opportunities for NC buyers.

A few years ago, buyers were fighting over homes, waiving contingencies, and offering way over asking.

Today? There are more homes to choose from, and in some situations, buyers finally have room to negotiate again.

Price reductions. Closing cost help. Seller concessions. Potential rate buydowns.

Higher rates are still a challenge, but buyers have something they haven’t had in years: more time, more choices, and more leverage.

The best market isn’t always the one with the lowest rate. Sometimes it’s the one where you have room to negotiate.

Comment your NC city below and I’ll tell you what I’m seeing in your market.

08/14/2026

Let’s look at the numbers:

• 1980s → Mortgage rates reached 14%+
• 1990s → Rates around 10%
• Today → Rates are around 6%

Here’s what that actually means:

• Mortgage rates move in cycles.
• Waiting for the “perfect” rate doesn’t guarantee a better deal.
• The rate is only one part of the equation. Price, payment, and terms matter too.

The question shouldn’t just be:

“What’s the rate?”

It should be:

“Do the numbers make sense for me right now?”

If rates come down later and refinancing makes financial sense, you may have that option.

But you can’t go back and buy at yesterday’s price.

Don’t make your decision based on fear of the rate. Make it based on the numbers and the strategy.

Condo rules changed August 3rd. Limited Review is gone, so lenders now underwrite the association, not just the buyer.A ...
08/13/2026

Condo rules changed August 3rd. Limited Review is gone, so lenders now underwrite the association, not just the buyer.

A strong borrower can still get denied over the building. 🤯

Sellers gave concessions in 46.2% of U.S. home sales this spring. In Charlotte, 71.4%. Raleigh, 64.1%.That’s real money ...
08/12/2026

Sellers gave concessions in 46.2% of U.S. home sales this spring. In Charlotte, 71.4%. Raleigh, 64.1%.

That’s real money on the table, and most buyers spend it on the wrong thing.

Take $10,000 off the price and you save about $65 a month. Put that same $10,000 toward a permanent rate buydown and it’s closer to $130 a month, every month you own the home.

One is gone at closing. The other is still working in year 10.

Before you sign, ask where the concession is actually going.

Send me the address and I’ll run both versions before you write the offer.

Most agents don’t realize the damage they’re doing with one phrase: “you lost the offer.”Buyers don’t quit because of th...
08/10/2026

Most agents don’t realize the damage they’re doing with one phrase: “you lost the offer.”

Buyers don’t quit because of the market. They quit from exhaustion — and it happens one phrase at a time.

I’m running a free 45-minute masterclass where I hand you the exact language and 4-phase framework I use to keep buyers in the game, offer after offer.

📅 Thursday, Aug 20 · 10:00–10:45 AM EST
💻 Online · Free · Only 50 spots

reserve your seat today

Address

Winston-Salem, NC
27103

Telephone

+17439003011

Website

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